WELLS FARGO & COMPANY/MN FY 2025 10-K, explained in plain English

Key financials — as reported

Total revenue	$83.7B
Gross margin	— not reported
Operating income	— not reported
Net income	$21.3B
Diluted EPS	$6.26
Cash & equivalents	— not reported
Total assets	$2.15T
Long-term debt	$174.7B

Key takeaway

Wells Fargo reported $21.3 billion in net income on $83.7 billion of revenue for fiscal year 2025, with diluted EPS of $6.26.

🔒 4 more takeaways in the full analysis

Beneath the surface

Held-to-maturity securities show a striking $32.4 billion of accumulated unrecognized holding losses against a $175.8 billion fair value, indicating significant embedded losses not reflected in net income due to HTM accounting treatment.

🔒 4 more insights a headline reader would miss